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Banking Services

Internet Banking

The convenience of banking at your fingertips. Manage all your accounts, view account activity, transfer funds between accounts, and make payments on your loans. Call us at (580) 885-7515 or come in and see us for more details or to apply. Click here to learn more.

Report Lost or Stolen Debit Card

To report a lost or stolen Debit Card call our 24hour hotline immediately.



Farmers and Merchants Bank offers a wide variety of loan products to assist your banking needs. Call Farmers and Merchants Bank at (580) 885-7515 and ask to speak with one of our Loan Officers.

ATM Service

We offer a 24-hour ATM for your convenience at 225 E Renfrow in Arnett, OK.
Location and Hours

VISA® Debit Card

The Farmers and Merchants Bank VISA® Debit Card is a convenient alternative to paper checks. This card can be used like a check anywhere that accepts VISA® cards. It can also be used as an ATM card at thousands of locations. Your Debit Card looks like a credit card, but the money comes out of your checking account. Ask one of our representatives for further information.

Telephone Banking

Turn your touch-tone phone into a 24-hour banking center. It’s convenient, secure and FREE, any time or place.

  • Check your account balance
  • Check recent account activity
  • Perform account transfers
  • Make note payments

Call us today for information and account setup.

Safe Deposit Boxes

Farmers and Merchants Bank offers safe deposit boxes for your convenience. We have a variety of sizes to fit your needs.


24 Hour Access

TeleBank – Enjoy private, easy, and convenient banking from you touch-tone telephone.  Call today to find out how to sign up for this service.  All you need is your customer ID number and security code.

  • Checking Balances and History

  • Savings Balances and History

  • Certificates of Deposit

  • Loans

  • Fund Transfers between accounts

  • Loan Payments

Internet Banking – Bank with a Web Browser from any Personal Computer.  All activity is personal, confidential, and completely secured.

  • Account Balances and Historical Information

  • Downloads to Quicken and Money

  • Fund Transfers and Loan Payments

  • View Pending ACH and Auto Debit Transactions

  • Calculators

  • Much More

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